SmartChoice Mortgage Brokers is a local home loan specialist, providing high-quality mortgage solutions since 2003 for clients all over Australia.

Our highly experienced team consists of professional loan writers and efficient administration staff who have been trained by Australia's largest financial institutions. We are accredited with all major lending institutions in Australia which enables us to provide you with more options for your home loan, saving you time and money.

At SmartChoice Mortgage Brokers our mission is to structure your loan to maximise the effect of your repayments and minimise interest, so you can enjoy your home without excess financial stress. In fact, we have helped many of our clients structure loans to purchase investment properties and secure their financial future - something not many Australians manage to achieve.

Whether you are purchasing a new home or an investment property, you can trust our skilled team to find the right loan for you today.

Ron La Coste


Ron La Coste is our newest Director with more than 20 years in the financial services industry with AMP. Ron is a fully accredited mortgage consultant with a Certificate IV in Finance & Mortgage Broking, Diploma in Financial Planning and a current Australian Credit licence.

Chris Heywood


Chris Heywood is our Founding Director who has more than 30 years' experience in home loan finance with SmartChoice Mortgage Brokers and the Commonwealth Bank of Australia. Chris is a fully accredited mortgage consultant with a Certificate IV in Finance & Mortgage Broking and a current Australian Credit license.

Paul Cutmore

Loan Processor

Paul Cutmore assists with our loan-processing and holds more than 30 years of valuable experience in writing and processing home loans.

Try our mortgage calculator.


Want an idea of just how much you can borrow on your current income?
Gain a better understanding of your borrowing capacity and potential mortgage repayments with our mortgage calculator.

Our affiliates can provide you with a wide array of loan options.